What to Know Before Buying a Home in Kettering, OH

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Get Familiar with the Lay of the Land in Kettering, OH

Ready to lay down some roots and buy a house in Kettering? Great idea! You selected a colorful city with a great balance of parks, businesses, and educational opportunities, and we're here to help make your home purchase and move a little easier. We support 3.8 million customers nationwide and know the Kettering housing market well.

Given all of Ohio's growth, Kettering homes aren't always easy to find at a comfortable price. Continued economic growth and cultural expansion have helped to attract young families, new businesses, and retirees to the Kettering area, but that much change also highlights the need for better infrastructure, larger schools, and a more diverse housing market. Despite this, Kettering and the surrounding areas still offer an array of homes in price and amenities. You can find single-family homes, condos, townhomes, and (fingers-crossed) your perfect home! When looking to buy a house in Kettering, consider how near or far away the home is from the places you visit most. If you can, test drive your route to work, school, and the grocery store. Your home's location will influence almost every aspect of your life. Exploring Kettering will also help you get a feel for how homes in east Kettering differ from west Kettering, what the communities are like, and where to find Kettering's coolest attractions.

Are your finances in the right place to buy a home in Kettering? Reach out to a Mr. Cooper Mortgage Professional if you don't know how to go about answering that question. We believe in keeping the dream of homeownership alive and work to make every stage of the journey more enjoyable and less worrisome. You don't even have to stick with your decision to buy a house in Kettering. We support experienced homeowners and first-time homeowners alike. Read through the following steps to help you figure out if your finances are in the right place to buy a house in Kettering.

Before anything else, calculate how much house you can afford. This will help you set a price range while house shopping in Kettering. Next, add up the potential monthly payments (including property taxes, insurance, homeowners association fees, home repairs, etc.). No need to have an exact amount. Everyone's situation will differ, but a quick online search for average expenses in Kettering will usually point you in the right direction. Remember that the bulk of your monthly homeowner expenses could be your monthly mortgage payment.

Now, consider how much you can contribute to a down payment. Putting at least 20% down will improve your chances of getting a favorable rate and will allow you to avoid private mortgage insurance (PMI). However, the minimum down payment requirements depend on the type of loan. At this stage, getting prequalified for a loan can be extremely helpful. Getting prequalified helps you know how much you might be eligible to borrow from a lender. Also, check your credit. Credit history is one of the main factors that lenders look at when considering your mortgage application. The better your credit is, the more mortgage options you may be presented with— and who doesn't want more choices in life?

Make Your Move: Buy a Home in Kettering, OH

As common as moving is, you'd think we'd all have figured out a less stressful way to do it. And yet, it remains a top stressor in life! But moving can also be incredibly rewarding, especially when you get to live in an amazing city like Kettering. Contact Mr. Cooper as you prepare to buy a house in Kettering. We're here for you from start to finish and Mr. Cooper® Real Estate Rewards can even connect you with a high-performing real estate agent who may be able to help you save thousands.*

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